Riordan Insurance Group - An Independent Insurance Agency

"We Have Insurance Down Pat"

Auto Insurance

The right auto insurance policy can help you get back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from an injury, loss of life, or property damage caused by an an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We can help you determine the best coverage for your needs.

Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.
The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other types of coverage which vary by state.
Utilizing high deductibles on the physical damage coverage can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

How much auto insurance is right for you?

Our team of insurance professionals understands the car insurance needs of our customers.
Auto insurance requirements vary by state. In some states, to drive you must carry:

Liability coverage to pay for losses you cause others

No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault

Both liability and no-fault coverage.

What coverage do you need?

We write insurance and would be happy to help you ensure you have the right car insurance coverage.
Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes both collision and comprehensive insurance.

Collision Insurance

Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will probably need it if your car is financed.

Every person is unique – talk to us today to find out how to get the best price and value on Chicago area car insurance for you.

Over 30 Years of Insurance Experience

We are licensed for business in Illinois, Indiana, and Wisconsin but can help businesses from anywhere with our international lines. Please consider us for all of your insurance needs. It would be a privilege to serve as your insurance professional.